Search found 325 matches

by EvelynTroy
Thu Aug 20, 2015 8:27 am
Forum: Investing - Help with Personal Investments
Topic: Retiring Couple with some money to invest
Replies: 11
Views: 2075

Re: Retiring Couple with some money to invest

Claquet, Previous poster said, "cd's are not investing" This pronouncement leads me to provide a reminder - very well-meaning people can provide advice that is right for them, and their opinion, but is not necessarily fact. My advice and I'm not expert, be cautious. Cd's can be a very important part...
by EvelynTroy
Tue Aug 18, 2015 9:08 am
Forum: Investing - Theory, News & General
Topic: 25 Month CD at 2.27% at US Alliance Federal Credit Union
Replies: 24
Views: 6648

Re: 25 Month CD at 2.27% at US Alliance Federal Credit Union

Thanks to KevinM for his detailed blog post describing his US Alliance experience. Last month I had a US Alliance CD mature - all went smooth and efficient getting the CD cashed in; also the opening of the CD, any calls I made to US Alliance all were nicely handled. No problems at all with this CU f...
by EvelynTroy
Wed Aug 05, 2015 7:39 am
Forum: Investing - Theory, News & General
Topic: Allan Roth
Replies: 13
Views: 2351

Re: Allan Roth

I too believe Allan Roth has a lot to offer investors. I particularly like his approach to using/recommending going directly to banks and credit unions for good paying CD's for the fixed income side of portfolios - just so sensible. Mr. Roth's portfolio if interested: http://blog.aarp.org/2015/06/15...
by EvelynTroy
Thu Jul 30, 2015 8:07 am
Forum: Investing - Help with Personal Investments
Topic: reorganizing portfolio -need international suggestions
Replies: 1
Views: 278

reorganizing portfolio -need international suggestions

Some months back I received guidance here on simplifying my portfolio and dropping my very low cost fee-only advisor - big thank you again for the help and direction, in particular to KevinM. I'm now tackling this project. :D I have decided to remain with TDAmeritrade and simply move my portfolios (...
by EvelynTroy
Thu Jun 25, 2015 12:54 pm
Forum: Investing - Theory, News & General
Topic: What was the 2008 crash like in real time?
Replies: 220
Views: 41975

Re: What was the 2008 crash like in real time?

ajacobs6, Not the 2008 crash, but the decline in 2011 gave us a very memorable post from boglehead nisiprius. It was written in real time then. It is one of those "keepers" - print this out and refer to it every now and then for me. I hope you find it helpful as you evaluate your own portfolio/asset...
by EvelynTroy
Tue Jun 09, 2015 1:03 pm
Forum: Investing - Theory, News & General
Topic: 9 Funds for a Rainy Day
Replies: 16
Views: 4461

Re: 9 Funds for a Rainy Day

You can see the other 8 funds by going to the article:

http://www.kiplinger.com/slideshow/inve ... index.html

then at top right side you will see Print/View as Single Page
Click that link and you will see all 9 funds in a single page/column
by EvelynTroy
Fri May 15, 2015 8:14 am
Forum: Investing - Theory, News & General
Topic: Bill McNabb interview (2 hrs. this weekend)
Replies: 8
Views: 2654

Bill McNabb interview (2 hrs. this weekend)

From Barry Ritholz @ Bloomberg. This weekend 2 hour interview with Bill McNabb, CEO and Chairman the Vanguard Group. Introduction to the interview here with link at the bottom to this weekend's interview: http://www.ritholtz.com/blog/2015/05/vanguard-ceo-we-want-to-drive-costs-even-lower/ It looks t...
by EvelynTroy
Sun May 10, 2015 11:56 am
Forum: Investing - Theory, News & General
Topic: Own Berkshire-A but not getting annual letters/meeting invitation
Replies: 6
Views: 2449

Re: Own Berkshire-A but not getting annual letters/meeting invitation

I attended the meeting years ago - I was a guest of a shareholder - as a shareholder you should receive 4 tickets/credentials. Here is where I would go for detailed information on how to receive your invitation, when to make reservations, any other details about the meeting - the Berkshire discussio...
by EvelynTroy
Mon Feb 23, 2015 11:41 am
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 439
Views: 89271

Re: Schwab Intelligent Portfolio Details

Perhaps of interest - The Finance Buff (Harry Sit) has written on Schwab Intelligent Portfolios this a.m.

http://thefinancebuff.com/schwab-intell ... r-you.html
by EvelynTroy
Sun Jan 18, 2015 9:08 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review help re to dropping advisor
Replies: 17
Views: 2784

Re: Portfolio Review help re to dropping advisor

Big apology for not responding to the discussion and leaving things in the air - different things came up and I just couldn't focus. Sincere thanks for responses and suggestions in particular retiredjg and KevinM - all well thought out and gives me a structure to think about decision making. I'm wor...
by EvelynTroy
Fri Jan 09, 2015 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review help re to dropping advisor
Replies: 17
Views: 2784

Re: Portfolio Review help re to dropping advisor

Charles Schwab is able to hold DFA funds. The local office helped me with paperwork in person. No cost to transfer. No annual fee to hold the funds. No charge to sell. I cannot buy any more unless I pay for a DFA advisor. So far, no complaints. That's interesting tallinvestor - its the same with TD...
by EvelynTroy
Fri Jan 09, 2015 10:14 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review help re to dropping advisor
Replies: 17
Views: 2784

Re: Portfolio Review help re to dropping advisor

You say SGOVX is 7.3% of your portfolio, which would mean that your total portfolio value is about 182,000/0.073 = about $2.5M, which is low seven figures, not high six figures. ------------------ I may not have written those percentages correctly. The 7.3 % is - 7.3% of my Non-U.S. Stock holdings ...
by EvelynTroy
Thu Jan 08, 2015 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review help re to dropping advisor
Replies: 17
Views: 2784

Re: Portfolio Review help re to dropping advisor

Kevin, So for every $1,000 of gain, your maximum capital gains tax would be $210 (15% + 6% = 21% x $1,000). Assuming maximum state tax rate of 6%, it could be as low as $60 per $1,000 of gain if you end up in the 15% federal tax bracket (0% federal cap gains rate). For SGOVX looking at my statement ...
by EvelynTroy
Thu Jan 08, 2015 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review help re to dropping advisor
Replies: 17
Views: 2784

Re: Portfolio Review help re to dropping advisor

Thanks very much for the replies - I'll fill in some questions some of you had first. - SGOVX holding has been held since somewhere around 2004. I was able to purchase it at the time without the 5% load. I have not added anything to the holding since the initial purchase. I do not reinvest those div...
by EvelynTroy
Thu Jan 08, 2015 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review help re to dropping advisor
Replies: 17
Views: 2784

Portfolio Review help re to dropping advisor

Hopefully I have prepared my portfolio information in good format for review. Emergency Funds: 6 months of cash, plus an at the ready home equity loan set up for $20,000 should funds be needed quickly. I have not included the cash in my portfolio allocations. Debt: Have no debt of any kind, i.e. cre...
by EvelynTroy
Fri Sep 26, 2014 8:29 am
Forum: Investing - Theory, News & General
Topic: It's pretty freaky watching your stocks go up & down all day
Replies: 60
Views: 7997

Re: It's pretty freaky watching your stocks go up & down all

Perhaps some guidance and wisdom by nisiprius - I always thought this post should have been a "sticky" for easy reference. I saved and reread every now and then. IMHO required reading for all investors. A Time To Evaluate Your Jitters http://www.bogleheads.org/forum/viewtopic.php?f=1&t=79939 Evelyn
by EvelynTroy
Wed Sep 10, 2014 8:43 am
Forum: Investing - Theory, News & General
Topic: How much value can an advisor add for the average investor?
Replies: 71
Views: 7441

Re: How much value can an advisor add for the average invest

The topic of financial advisors in one form or another comes up fairly often - I have posted before on this topic and will add some real life examples of the value added topic. Its probably way too long - but hopefully readers will find something that adds to the discussion. A bit of background - pe...
by EvelynTroy
Sun Sep 07, 2014 9:00 am
Forum: Investing - Theory, News & General
Topic: J. Zweig - smart investors you should follow - bogleheads
Replies: 19
Views: 3135

J. Zweig - smart investors you should follow - bogleheads

Jason Zweig's column this week discusses new research on what's called "shared attention." As a result Mr. Zweig.."the investors you follow may be as important to your financial results as the investments you own. If the people you pay attention to are excitable and impulsive, they may overreact to ...
by EvelynTroy
Sun Jun 01, 2014 9:10 pm
Forum: Investing - Theory, News & General
Topic: Vanguard or DFA? "Vanguard, in a landslide..."
Replies: 54
Views: 6168

Re: Vanguard or DFA? "Vanguard, in a landslide..."

Claims are repeatedly made that access to DFA can be obtained very inexpensively, but nobody ever seems to give an actual name of an advisor that offers this -- making a point ad nauseum without actually answering the question isn't very helpful and probably explains why it keeps coming up http://w...
by EvelynTroy
Sun Apr 20, 2014 10:09 am
Forum: Investing - Theory, News & General
Topic: Floating Rate Treasuries - J. Zweig
Replies: 3
Views: 905

Floating Rate Treasuries - J. Zweig

Floating rate Treasuries as a CD alternative. (Jason Zweig) Mr. Zweig references Allan Roth and Ken @ depositaccounts.com http://online.wsj.com/news/articles/SB10001424052702304626304579509593831505978 If you are not a wsj subscriber - google this exact title: Floating A Few Cents to Investors The l...
by EvelynTroy
Sat Apr 19, 2014 6:52 am
Forum: Investing - Theory, News & General
Topic: Book for 20 Year Old Beginner
Replies: 16
Views: 1989

Re: Book for 20 Year Old Beginner

Two suggestions - The Elements of Investing - By Burton G. Malkiel, Charles D. Ellis The book is divided into 5 simple familiar concepts: 1. Save regularly and start early. 2. Take advantage of tax efficient retirement investment vehicles. 3. Diversify broadly: Own the whole market. 4. Rebalance ann...
by EvelynTroy
Sun Apr 06, 2014 8:45 am
Forum: Investing - Theory, News & General
Topic: Barclay 5 yr. CD and Dream account savings
Replies: 5
Views: 1586

Re: Barclay 5 yr. CD and Dream account savings

Thank you for the replies and the calculations. I appreciate the help.
Rustymutt, I understood the details that were written; I just did not know how to calculate the results.
Using the term "gimmicky" was probably wrong use.
Evelyn
by EvelynTroy
Sun Apr 06, 2014 7:49 am
Forum: Investing - Theory, News & General
Topic: Jonathan Clements to return to Wall Street Journal Sunday.
Replies: 29
Views: 4228

Re: Jonathan Clements to return to Wall Street Journal Sunda

Mr. Clements has provided an introduction to his WSJ column this morning -like others I'm looking foward to his return: http://online.wsj.com/news/articles/SB10001424052702303325204579463490033935638?mod=WSJ_hpp_MIDDLENexttoWhatsNewsForth&mg=reno64-wsj&url=http%3A%2F%2Fonline.wsj.com%2Farticle%2FSB1...
by EvelynTroy
Sun Apr 06, 2014 7:04 am
Forum: Investing - Theory, News & General
Topic: Barclay 5 yr. CD and Dream account savings
Replies: 5
Views: 1586

Barclay 5 yr. CD and Dream account savings

From depositaccounts.com: "The 5-year CD at Barclays now has a 2.25% APY. This is a very good deal especially when you consider it has a mild early withdrawal penalty of 6 months of interest. The blog post describes how good of a deal this is even if you prefer short-term CDs." Perhaps the CD is of ...
by EvelynTroy
Fri Apr 04, 2014 4:16 pm
Forum: Investing - Theory, News & General
Topic: Free "If You Can" Kindle and .pdf eBook
Replies: 54
Views: 19261

young investors a new Wm. Bernstein e-booklet

[Thread merged into here, see below. --admin LadyGeek] I noticed this link on The FianceBuff today: William Bernstein wrote a short Kindle e-book for young investors: If You Can: How Millennials Can Get Rich Slowly. It’s $0.99 now on Amazon. I heard it will be free on Saturday April 5. http://www.a...
by EvelynTroy
Tue Feb 25, 2014 7:27 am
Forum: Investing - Theory, News & General
Topic: Betterment portfolio optimization
Replies: 76
Views: 16746

Re: Betterment portfolio optimization

Hope this is appropriate thread to post this info. I ran across regarding Betterment. Example of exorbitant Betterment fee - In the updated user agreement, Betterment will charge a fee of up to $1000 for an in-kind transfer - An in-kind transfer, also referred to as a full Automated Customer Account...
by EvelynTroy
Fri Jan 24, 2014 6:35 am
Forum: Personal Consumer Issues
Topic: Help please - buying PC
Replies: 30
Views: 3681

Help please - buying PC

Purchasing a PC before too long - mine is Windows Vista and starting to freeze up, run slow, etc. I've reformatted hard drive once. And I'd just like a new one. PC use is basic - internet, email, editing photos/Picassa, basic word processing. I want a desk-top, a small or slim desk top. I like the i...
by EvelynTroy
Sun Jan 19, 2014 9:34 am
Forum: Investing - Theory, News & General
Topic: CRSP Indices
Replies: 3
Views: 804

Re: CRSP Indices

Rick Ferri wrote on the subject of Vanguard changing to the CRSP indexes - he seems to be pleased with the change:

http://www.rickferri.com/blog/investmen ... p-shuffle/

Evelyn
by EvelynTroy
Thu Dec 26, 2013 10:42 am
Forum: Investing - Theory, News & General
Topic: "John Bogle on All-In Investment Expenses"
Replies: 13
Views: 3001

Bogle on All-In Investment Expenses

http://awealthofcommonsense.com/john-bogle-investment-expenses/ This article is a summary of Jan/Feb. article by Mr. Bogle offered at the CFA Institute site - nearest I can tell it requires a subscription to access: http://www.cfapubs.org/doi/sum/10.2469/faj.v70.n1.1 Snippet: John Bogle has never v...
by EvelynTroy
Wed Jul 24, 2013 10:03 am
Forum: Investing - Theory, News & General
Topic: What did Bogleheads do when the stock market crashed?
Replies: 129
Views: 85770

Re: What did Bogleheads do when the stock market crashed?

Chris, This post by Nisprius may be helpful in guiding you, giving food for thought when the stock market gets dicey - A Time To EVALUATE Your Jitters http://www.bogleheads.org/forum/viewtopic.php?f=1&t=79939 I saved it and read it every now and then - I believe the message needs reinforcing over an...
by EvelynTroy
Sat Jul 06, 2013 6:19 pm
Forum: Investing - Theory, News & General
Topic: 2% 2-year CD
Replies: 12
Views: 3267

Re: 2% 2-year CD

Noticed on depositaccounts.com regarding the USAlliance 2% - 2 yr. CD - Update #2 - 7/6/13: I was just informed by a USAlliance official that they have ended the 2% CD promotion effective immediately. The 13-month and 11-month CD specials are still available. In the comments section where they revie...
by EvelynTroy
Wed Jul 03, 2013 8:47 am
Forum: Investing - Theory, News & General
Topic: 2% 2-year CD
Replies: 12
Views: 3267

Re: 2% 2-year CD

Follow-up regarding the USAlliance 2 yr. 2% CD - I purchased one yesterday - straight forward using the link that was provided @ depositaccounts.com, i.e. the special link set up for depositaccounts.com readers. Anyone is eligible - no gimmicky credit union membership requirements like an active che...
by EvelynTroy
Tue Jun 25, 2013 5:30 pm
Forum: Investing - Theory, News & General
Topic: Is George Zimmer firing = to John Bogle's from Vanguard?
Replies: 17
Views: 1988

Re: Is George Zimmer firing = to John Bogle's from Vanguard?

I didn't have any trouble accessing the articles.
Maybe it is because you are travelling.
I sent you a PM
Evelyn
by EvelynTroy
Tue Jun 25, 2013 5:22 pm
Forum: Personal Consumer Issues
Topic: Premium Products That Are Worth It To You
Replies: 361
Views: 56633

Re: Premium Products That Are Worth It To You

I've learned some things in this thread - I'm going to look into those Point6 socks - I love my SmartWool socks and thought they were the Lexus of socks. My list: Holland Grill - made in USA will not flame up. Love it. Toyota Avalon (never thought of it as premium) Oral B Sonic professional electric...
by EvelynTroy
Tue Jun 25, 2013 4:58 pm
Forum: Investing - Theory, News & General
Topic: Is George Zimmer firing = to John Bogle's from Vanguard?
Replies: 17
Views: 1988

Re: Is George Zimmer firing = to John Bogle's from Vanguard?

The non-subscriber google trick - Go to google.com paste in or type in the exact title of article you wish to read, i.e. John Bogle Rejects an Offer To Stay on Vanguard Board When the search results appear the article will be the first or second one on the list. Click on it and the entire article is...
by EvelynTroy
Tue Jun 11, 2013 12:00 pm
Forum: Personal Consumer Issues
Topic: Why Can't I Bring Myself to Buy Me a Nice Watch?
Replies: 193
Views: 21671

Re: Why Can't I Bring Myself to Buy Me a Nice Watch?

My Rolex story - years ago working in Saudi Arabia tons of expats had a Rolex - I really, really wanted one. I bought one just because it was gorgeous, very nice watch and wanted it - and naturally had the money. I'm not one to spend on the latest and greatest gadgets, latest model car, etc. I send ...
by EvelynTroy
Thu Apr 04, 2013 6:31 pm
Forum: Investing - Theory, News & General
Topic: What's the difference? [Advantages of a Wealth Manager?]
Replies: 44
Views: 4657

Re: What's the difference? [Advantages of a Wealth Manager?]

Yes I understand (after my advisor explained it to me) that my traditional IRA continues to grow tax free. We discussed converting to Roth IRA - I didn't want to pay the taxes - what we did do was create a new Roth IRA that I have been putting the max. into each year. My traditional IRA is not part ...
by EvelynTroy
Thu Apr 04, 2013 5:35 pm
Forum: Investing - Theory, News & General
Topic: What's the difference? [Advantages of a Wealth Manager?]
Replies: 44
Views: 4657

Re: What's the difference? [Advantages of a Wealth Manager?]

The topic of financial advisors / wealth managers comes up on a fairly regular basis. I use a financial advisor (Buckingham Asset Management – St. Louis ) and will gladly offer some thoughts. I will try to address your question regarding the advantages of having a financial advisor both generally an...
by EvelynTroy
Wed Mar 13, 2013 6:16 am
Forum: Investing - Theory, News & General
Topic: Easy to read article from well-respected source
Replies: 15
Views: 1731

Re: Easy to read article from well-respected source

Suggest: http://www.obliviousinvestor.com/index-funds/ From Larry: http://www.stltoday.com/business/columns/jim-gallagher/gallagher-investment-guru-swedroe-preaches-value-of-index-funds/article_174cca20-e186-5adb-8d35-af6aeadd25d0.html Charles Ellis interview: 6 min. excellent http://www.youtube.com...
by EvelynTroy
Mon Mar 11, 2013 5:58 pm
Forum: Local Chapters and Bogleheads Community
Topic: Recognition for Oblivious Investor - Mike Piper
Replies: 13
Views: 2032

Recognition for Oblivious Investor - Mike Piper

Boglehead - Mike Piper (Oblivious Investor) cited as one of 19 Best Investment Blogs You Can Learn From:

http://thecollegeinvestor.com/6339/best ... ent-blogs/ - scroll down.

Congratulations Mike.

Evelyn
by EvelynTroy
Sun Feb 24, 2013 7:58 am
Forum: Investing - Theory, News & General
Topic: Anyone read these books?
Replies: 9
Views: 1432

Re: Anyone read these books?

You're welcome Paul. I'm so glad you are enjoying the paper - my pleasure to give back a little something to someone who has given so much to the average investor, i.e. me in really helping make sense and understand the big picture of investing. I can't thank you enough for your Roadmap Investing Su...
by EvelynTroy
Sat Feb 23, 2013 7:55 pm
Forum: Investing - Theory, News & General
Topic: Anyone read these books?
Replies: 9
Views: 1432

Re: Anyone read these books?

You can read the paper that the Mauboussin book is based on as a head start:
http://www.lmcm.com/868299.pdf

Evelyn
by EvelynTroy
Sun Feb 10, 2013 6:51 am
Forum: Investing - Theory, News & General
Topic: Taleb and Kahneman: Antifragility vs. common-man attitudes
Replies: 147
Views: 16274

Re: Taleb and Kahneman: Antifragility vs. common-man attitud

Coincidence my library reserve for the Kahneman book came up yesterday - been wanting to read it for a long time. Someone noted: Prof. Kahneman will be speaking at Yale 2/20 - http://news.yale.edu/2013/02/08/daniel-kahneman-author-thinking-fast-and-slow-speak-yale I sent the contact person a note - ...
by EvelynTroy
Wed Jan 02, 2013 9:20 am
Forum: Investing - Theory, News & General
Topic: Penn Fed rates increase again
Replies: 1
Views: 783

Penn Fed rates increase again

I noticed these increases as posted on depositaccounts.com These new rates are listed in PenFed's Money Market Certificates page as of 1/2/2013. 2.00% APY 7-year (no change) 1.90% APY 5-year (was 1.80%) 1.85% APY 4-year (was 1.75%) 1.85% APY 3-year (was 1.75%) 1.60% APY 2-year (was 1.50%) 1.25% APY ...
by EvelynTroy
Tue Dec 11, 2012 7:29 pm
Forum: Investing - Theory, News & General
Topic: NYT - A Warning About That Guy Who Is Beating the Market
Replies: 32
Views: 4852

Re: NYT - A Warning About That Guy Who Is Beating the Market

Yes he is the financial planner that walked away from his mortgage.
Sorry, I wrote that wrong, should have been could have walked away from his mortgage....
Evelyn
by EvelynTroy
Tue Dec 11, 2012 6:56 pm
Forum: Investing - Theory, News & General
Topic: NYT - A Warning About That Guy Who Is Beating the Market
Replies: 32
Views: 4852

Re: NYT - A Warning About That Guy Who Is Beating the Market

I was curious about the author, Carl Richards. The article says he is a director of education with the BAM Alliance. As in Larry Swedroe's BAM (Buckingham Asset Management's). Didn't know such a thing existed. Yes that is correct Mr. Richards joined BAM Feb. 2012 as the Dir. of Education. Yes he is...
by EvelynTroy
Sat Jun 16, 2012 1:29 pm
Forum: Investing - Theory, News & General
Topic: What Now
Replies: 25
Views: 2678

Re: What Now

I agree wtih previous posters who indicated trying to chase performance and time markets around a crisis really just won't work. Really its just once crisis after the next - the crisis' are normal. I would suggest - this excellent post on the Bogleheads forum by nisiprius: http://www.bogleheads.org/...
by EvelynTroy
Tue May 08, 2012 6:19 pm
Forum: Investing - Theory, News & General
Topic: Fama and French paper
Replies: 44
Views: 4737

Re: Fama and French paper

Actually the information is a little too sophisticated for me to understand - so I had no way to know if it was worthwhile or not. Sorry if its nothing of interest or worthwhile. I just received the notice in my RSS reader thought it might be worth passing on.
All my funds are DFA though.
Evelyn
by EvelynTroy
Tue May 08, 2012 4:53 pm
Forum: Investing - Theory, News & General
Topic: Fama and French paper
Replies: 44
Views: 4737

Fama and French paper

By Eugene F. Fama and Kenneth R. French Understanding volatility is crucial for informed investment decisions. Our paper explores the volatility of the market, size, and value premiums of the Fama-French three-factor model for US equity returns. Volatility and Premiums in US Equity Returns (PDF) htt...